BlastPoint's Credit Union Scorecard

TVA COMMUNITY CREDIT UNION

Charter #68559 · AL

100M-500M

1024 CUs in 100M-500M nationally 21 in AL

TVA COMMUNITY CREDIT UNION has 8 strengths but faces 5 concerns

National Analysis

How does the industry compare?

AL Analysis

How does AL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 0.22% above tier average
+ Loan Growth Rate: Top 5.3% in tier
+ Net Worth Ratio: Top 5.4% in tier
+ Total Deposits: Top 6.4% in tier
+ Total Assets: Top 7.0% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Net Interest Margin (NIM): Bottom 4.9% in tier
- Loan-to-Share Ratio: Bottom 8.0% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 21 that size in Alabama.
Shares and deposits +2.9% year over year ($373M in shares and deposits).
Membership: 20,029 members, +0.9% vs a year ago.
Delinquency rate 0.32%.
Return on assets 1.08%.
Efficiency ratio 60.82% vs a 76.73% peer average.
Loan-to-share ratio 46.32% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Members	20,029 +0.9% YoY+0.1% QoQ	+4.9K	15,168 -2.6% YoY	28,281 -1.7% YoY	34,678 +6.6% YoY	77%
Assets	$429.0M +4.9% YoY+1.1% QoQ	+$196.9M	$232.0M +0.7% YoY	$459.0M +7.0% YoY	$593.1M +10.2% YoY	Top 7.1% in tier
Loans	$173.0M +16.9% YoY+5.6% QoQ	+$26.7M	$146.3M +0.2% YoY	$266.3M +5.7% YoY	$418.6M +10.1% YoY	68%
Deposits	$373.4M +2.9% YoY+0.7% QoQ	+$172.7M	$200.7M +0.2% YoY	$400.1M +6.1% YoY	$504.8M +10.3% YoY	Top 6.5% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.1% -2.7% YoY+9.5% QoQ	+0.2%	0.9% +12.5% YoY	1.1% +39.6% YoY	1.2% +121.4% YoY	70%
NIM	2.6% -2.0% YoY+2.2% QoQ	-1.1%	3.7% +4.5% YoY	3.7% +1.1% YoY	3.8% +2.3% YoY	Bottom 4.8% in tier
Efficiency Ratio	60.8% -2.2% YoY-3.8% QoQ	-15.9%	76.7% -0.8% YoY	82.1% +5.7% YoY	83.0% -5.3% YoY	Top 9.2% in tier
Delinquency Rate	0.3% +27.9% YoY+11.0% QoQ	-0.6	0.9% +6.6% YoY	1.4% -5.8% YoY	1.3% +2.6% YoY	20%
Loan To Share	46.3% +13.6% YoY+4.9% QoQ	-25.2%	71.5% -0.3% YoY	59.3% -1.7% YoY	66.4% -1.4% YoY	Bottom 7.9% in tier
AMR	$27,279 +6.0% YoY+2.1% QoQ	+$2K	$25,107 +3.2% YoY	$17,701 +4.0% YoY	$20,028 -0.9% YoY	71%
CD Concentration	29.0% +5.0% YoY+2.0% QoQ	+4.5%	24.6%	21.8%	20.0%	50%
Indirect Auto %	3.0% -25.6% YoY-9.5% QoQ	-10.6%	13.6%	5.2%	7.7%	50%

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth

#382 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.98%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Organic Growth Engine

growth

#274 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.92%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 1.08%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Indirect Auto %: 3.03%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Organic Growth Leader

growth

#304 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.92%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 3.03%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Concerns (3)

Liquidity Overhang

risk

#25 of 130 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 18.38%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 46.32%

(Tier: 73.56%, National: 66.39%)

worse than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 CUs YoY | Rank worsening

Credit Risk Growth

risk

#158 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 16.93%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.07% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | Rank improving

Credit Quality Pressure

risk

#550 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.07% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (7 metrics)

Loan Growth Rate

growth

Value: 16.93%

Peer Median: 3.02%

#55 of 1024 Top 5.3% in 100M-500M tier

Net Worth Ratio

risk

Value: 18.38%

Peer Median: 11.71%

#56 of 1024 Top 5.4% in 100M-500M tier

Total Deposits

balance_sheet

Value: $373.41M

Peer Median: $170.77M

#67 of 1024 Top 6.4% in 100M-500M tier

Total Assets

balance_sheet

Value: $428.96M

Peer Median: $196.38M

#73 of 1024 Top 7.0% in 100M-500M tier

Efficiency Ratio

profitability

Value: 60.82%

Peer Median: 77.26%

#95 of 1024 Top 9.2% in 100M-500M tier

210

Total Delinquency Rate (60+ days)

risk

Value: 0.32%

Peer Median: 0.71%

#210 of 1024 Top 20.4% in 100M-500M tier

233

Total Members

engagement

Value: 20,029

Peer Median: 13,128

#233 of 1024 Top 22.7% in 100M-500M tier

Top Weaknesses (3 metrics)

975

Net Interest Margin (NIM)

profitability

Value: 2.60%

Peer Median: 3.67%

#975 of 1024 Bottom 4.9% in 100M-500M tier

943

Loan-to-Share Ratio

balance_sheet

Value: 46.32%

Peer Median: 73.07%

#943 of 1024 Bottom 8.0% in 100M-500M tier

786

Members Per Employee (MPE)

engagement

Value: 256.782

Peer Median: 310.924

#786 of 1024 Bottom 23.3% in 100M-500M tier